Banks are not allowed to use credit cards (debit cards) when handling mortgage loans, because banks are worried that users' credit cards (debit cards) will generate large consumption during the audit period and increase their personal debt ratio. In addition, credit cards (debit cards) need to be repaid on time after use. If the user is overdue, it will lead to poor personal credit information, and the poor personal credit information will not pass the mortgage review.

Therefore, during the mortgage review, users can suspend the use of credit cards (debit cards) without special circumstances, and it is not too late to use credit cards (debit cards) after the review results come out.